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Who pays my medical bills?

Have you ever wondered who would pay for your medical treatment in the event of a misfortune such as an accident? You may seek an injury settlement or wait for a court verdict, but that may not necessarily help you settle your medical bills. Whoever pays for your medical bills depends on the kind of accident you have, type of insurance you are in and the state you are in. The following should help you determine who to hold responsible for your medical treatment when you get hurt in an accident.

The position of the defendant
The general rule shields the defendant from necessarily having to pay your medical bills on an ongoing basis. You are responsible for the settlement of your medical bills as you incur them. It does not matter whether the person responsible for your injury was at fault because the law does not require them to offset your treatment bills on an ongoing basis. However, the law requires the responsible persons to pay you damages to resolve the resulting lawsuit. You will need to consult NYC personal injury attorneys for further direction.

Accidents in “No Fault” states
If a motor vehicle accident occurs, the responsibility of covering your medical bills will depend on whether the crash took place in a “no fault” state or not. No fault insurance puts the responsibility of clearing medical bills on your automobile insurer if you have a car accident. However, you should note that in some no fault states have a limit to what the insurer may pay. This limit differs from one state to the next but is $10,000. Talk to the NYC personal injury attorneys for detailed information. If your bills exceed the limit, you settle the balance.

Accidents in non “No Fault” states
Some states do not have any fault insurance policy, so you will pay your medical bills if you have an accident. Nevertheless, some drivers may have a med pay coverage which can pay the medical bills of the drivers and passengers in the crash. Med pay does have its limits, so you will have to pay the extra amount. But remember med pay is not necessarily a requirement, and many drivers – including you – may not have it.

Trip and fall accidents
If you sustain injuries in a trip and fall case, also known as premises liability, you have to pay for your medical bills. However, if the owner of the premises has an insurance policy that covers med pay, the insurance company may cover your medical bills up to the med pay policy limits. Any amount over and above the med pay limits will fall under your responsibility.

Accidents at work
If you pick injuries at the work place, the workers’ compensation insurer will be responsible for your medical bills. In fact, nobody will require you to pay any money for your treatment if you sustain injuries at the workplace. The state may even require the workers’ compensation insurer to compensate you for any expenses you may incur while seeking medical attention.

Boating accidents
It may be necessary for you to dig deeper into your wallets if you happen to be involved in a boating accident. Boating insurance policies don’t make provision for med pay. You will have to pay for any medical expenses you will incur in the event of a boating accident.

The person to pay your medical bills in the case of an accident depends on several factors. They include the type of accident and whether their insurance provides for med pay. Med pay has limits, so you will settle the difference if the amount happens to surpass what med pay limits. You may also need to find from NYC personal injury attorney whether your state has a no fault insurance or not. Whatever the case, you may have to pay some amount towards your medical kitty.

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